hi I've read about the hardship thing, and no-one seems to explain or say what exactly the grounds for hardship is. I've had a nightmare with Barclays, and just recieved a letter saying about how claims are suspended due to case etc. I'm a single mum of 2, was working 4hrs per week, (all i'm allowed, unless I do 16hrs with child tax credit thing, and would end up £15 better off each week, working for less than £1 an hour basically, lol thats another thread methinks) but now rely on benefits to survive, no help from kids dad either. I went overdrawn by £7.82 just after xmas, bills, DD, etc. and its had a complete snowball effect, they added £30, then a week later another £60 and so on. As I get £110.00PER WEEK for myself and 2 kids I ended up losing 2 weeks money in charges, and they're now demanding I pay a further £147.00 as my DD and bills were not covered and again gets another charge plonked on top. I'm behind with my water and gas, and of course xmas stuff I got via catalogues and stuff. I have contact debt agency and they said offer £10per week to each creditor, which leaves me £30per week to live on and pay gas, electric etc. I has also read a few times that if your on benefits you can't go through the small claims court.......anyone with any help would be gratefully recieved.